Is third-party credit checking safe?

Some third-party applications claim to be able to "transmit data to the central bank's personal credit reporting system". You only need to download the software on your mobile phone and authorize your personal information to quickly check your credit report. It seems to be faster than the central bank's personal credit reporting system. It's easier and faster.

Please remember that checking credit information at the central bank is relatively complicated. For example, if you pass the verification, you will submit the application after success. You have to wait for a few days to receive the real identity SMS verification code, and then change. Log in with your real ID verification code to check your electronic device personal credit report.

We all know that a credit check usually takes a few days, and these third-party credit checks claim to issue reports immediately. Is this true?

I downloaded a personal credit reporting mobile phone software for free. When using these APPs, you need to apply for registration with a mobile phone and SMS verification code, and then perform identity authentication. During the identity authentication process, customers must enter personal information such as ID card and name. At the same time, you still need to answer some questions and even be asked to enter credit card and other information. At the same time, the mobile phone also needs to be granted various permissions, such as location, phone number, viewing cameras, and even loading short messages. and communication records, etc.

After this operation, you can indeed check your personal credit report. This information is the same as what you check on the official website, but all your private information has been obtained by this third-party intermediary service. , but the harm is very great. This kind of APP only acts as an intermediary.

There is a saying in the Credit Reference Center of the People's Bank of China, "Safety Tips: The Credit Reference Center does not authorize any third-party applications to provide personal credit report inquiry services." What behaviors will cause credit violations? How to avoid bad records?

Whether you are applying for a commercial loan or a housing provident fund loan, your personal credit record is an important reference. Once you have a bad credit record, your chances of successfully obtaining a loan will be reduced. In this way, what kind of individual What Behavior Can Lead to a Bad Credit Record? How to avoid bad credit record?

What personal behaviors can lead to a bad credit record?

1. Failure to repay the credit card on time or the minimum repayment amount causes the loan to be overdue, resulting in late tax fees and interest.

2. After the loan or loan interest is overdue, although the loan has been immediately deposited for repayment, the overdue interest generated by the overdue loan has not been repaid, and the personal credit system will still indicate that the loan is overdue. Not settled.

3. If you apply for a return after paying with Alipay, today's income and expenditure details will not be deducted, but only the next period's income and expenditure details will be deducted. It is concluded that failure to settle today's income and expenditure details in time will cause the loan to be overdue. .

4. The repayment account and the credit card repayment account are the same account. Because the credit card consumes first and then repays, the result is a shortage of repayment funds and the loan is overdue.

5. If the credit card does not reach the annual fee-free consumption frequency or limit within one year, the annual service fee will be deducted. If the payment is not made in time, taxes and late payment fees will be added, which will lead to overdue credit records.

6. When guaranteeing a loan for others, the guaranteed person fails to repay the loan in time or intentionally fails to repay the loan when it expires, and the loan guarantor also does not perform its repayment obligations, thus causing the loan in the loan guarantee information to be overdue.

7. The communication methods such as address and mobile phone have changed, and the bank has not been contacted in time to make changes, resulting in long-term failure to receive information and resulting in overdue credit records.

How to avoid bad credit records?

1. Check personal credit reports on time

Check personal credit reports once or twice a year, pay close attention to your personal credit status, and prevent loan overdues , if there are objectionable overdue credit records, you can complain to the bank. Generally, as long as the overdue loan is not caused by malicious default, the financial institution will give "lenient treatment".

2. Canceled accounts and unused credit cards

Some credit cards will deduct annual service fees even if they are not activated. Therefore, unused credit cards must be canceled to avoid failure to pay annual service fees. Overdue credit records will result, leaving a bad credit record.

3. Repay loans and credit cards on time

Repay loans and credit cards on time to prevent overdue credit records, because once the loan is overdue, it will be listed in the personal credit system of the People's Bank of China. It is recorded in the credit report, and bad credit records will be kept for 5 years.

4. Try not to guarantee loans for others

It is best not to guarantee loans for others, because if the guaranteed person fails to repay the loan within the loan period, The loan guarantor must bear the responsibility, and his or her personal credit record will be affected.